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About Us

Andres O'Neil & Lowe Insurance Agency provides comprehensive insurance solutions.

We are your trusted independent insurance agency.

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Your family, your business, and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.


years in business


carrier partners


states served

Our Principle

Our founder Earl Andres said it in 1923, and we remain faithful to the principle “service—to our customers, the community, and each other.”

Our Belief

When it comes to community, our philosophy is simple—when a community is strong, everyone benefits. We believe in strengthening the communities we serve through philanthropy, employment opportunities, and helping other local businesses succeed.

Our Commitment

From our offices in Archbold, OH, Bryan, OH, Wauseon, OH, and Hicksville, OH, we are committed to delivering the highest level of customer service to our clients across the United States.

Serving Clients From Four Locations

For over 95 years, clients have trusted us to provide exceptional service, protection, and peace of mind. From handling claims with efficiency and compassion to proactive pricing strategies, we are committed to making a difference for you.

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As an independent agency, we are here to help you find the right coverage.

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Independent Advantage

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

Find Out How

Personalized insurance solutions.

Friendly, knowledgeable service.

Building trusted relationships.


Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.


Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.


Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.

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As an independent agency, we are here to help you find the right coverage.

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It only takes a minute to get started.

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  • Go over your options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!